Whatley, AL
Whatley, AL's wildfire risk, in USFS's own numbers
Whatley sits at the 65th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 142 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whatley's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
Of Whatley's 142 counted buildings, 99.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Whatley ranks
Inside Alabama, Whatley sits at just the 34th percentile even though it scores 65th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Whatley ranks 11,176 for wildfire risk (1 is highest) and 27,185 by building count (1 is largest). Within Alabama alone, it ranks 390 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
What this risk score means for insurance
Whatley's high rating (65th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Whatley
With 99.3% of Whatley in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Whatley's figures come from
Every one of the two percentiles behind Whatley's 11,176-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Whatley's dominant direct exposure actually means, with real examples from across the dataset.